R A Stock Overview
Regional S.A.B. de C.V. provides various banking products and services.
Regional. de Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||Mex$114.13|
|52 Week High||Mex$147.98|
|52 Week Low||Mex$90.38|
|1 Month Change||5.77%|
|3 Month Change||20.02%|
|1 Year Change||-2.40%|
|3 Year Change||26.54%|
|5 Year Change||n/a|
|Change since IPO||-3.16%|
Recent News & Updates
|R A||MX Banks||MX Market|
Return vs Industry: R A exceeded the MX Banks industry which returned -5.2% over the past year.
Return vs Market: R A exceeded the MX Market which returned -6.2% over the past year.
|R A volatility|
|R A Average Weekly Movement||4.1%|
|Banks Industry Average Movement||4.3%|
|Market Average Movement||3.9%|
|10% most volatile stocks in MX Market||6.9%|
|10% least volatile stocks in MX Market||2.6%|
Stable Share Price: R A is not significantly more volatile than the rest of MX stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: R A's weekly volatility (4%) has been stable over the past year.
About the Company
|1994||4,924||Manuel Gerardo Rivero Zambrano||https://www.regional.mx|
Regional S.A.B. de C.V. provides various banking products and services. It offers financial services and products, such as loans, point-of-sale terminals, insurance products, and other products for small business and entrepreneurs; loans for working capital or investment projects for medium-sized businesses; credit cards, personal loans, automobile finance, and mortgages; savings and investment products; and financial leasing services. The company also provides factoring, and online and mobile banking services.
Regional. de Fundamentals Summary
|R A fundamental statistics|
Is R A overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|R A income statement (TTM)|
|Cost of Revenue||Mex$0|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||12.50|
|Net Profit Margin||38.86%|
How did R A perform over the long term?See historical performance and comparison
10.6%Current Dividend Yield
Is R A undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for R A?
Other financial metrics that can be useful for relative valuation.
|What is R A's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does R A's PE Ratio compare to its peers?
|R A PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
BBAJIO O Banco del Bajío Institución de Banca Múltiple
BSMX B Banco Santander México Institución de Banca Múltiple Grupo Financiero Santander México
GFINBUR O Grupo Financiero Inbursa. de
GFNORTE O Grupo Financiero Banorte. de
R A Regional. de
Price-To-Earnings vs Peers: R A is expensive based on its Price-To-Earnings Ratio (9.1x) compared to the peer average (8.5x).
Price to Earnings Ratio vs Industry
How does R A's PE Ratio compare vs other companies in the South American Banks Industry?
Price-To-Earnings vs Industry: R A is expensive based on its Price-To-Earnings Ratio (9.1x) compared to the South American Banks industry average (7.3x)
Price to Earnings Ratio vs Fair Ratio
What is R A's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||9.1x|
|Fair PE Ratio||9.8x|
Price-To-Earnings vs Fair Ratio: R A is good value based on its Price-To-Earnings Ratio (9.1x) compared to the estimated Fair Price-To-Earnings Ratio (9.8x).
Share Price vs Fair Value
What is the Fair Price of R A when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: R A (MX$114.13) is trading below our estimate of fair value (MX$140.37)
Significantly Below Fair Value: R A is trading below fair value, but not by a significant amount.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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How is Regional. de forecast to perform in the next 1 to 3 years based on estimates from 11 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: R A's forecast earnings growth (7.7% per year) is above the savings rate (7.2%).
Earnings vs Market: R A's earnings (7.7% per year) are forecast to grow slower than the MX market (9.5% per year).
High Growth Earnings: R A's earnings are forecast to grow, but not significantly.
Revenue vs Market: R A's revenue (8.5% per year) is forecast to grow faster than the MX market (6.3% per year).
High Growth Revenue: R A's revenue (8.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: R A's Return on Equity is forecast to be low in 3 years time (18.9%).
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How has Regional. de performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: R A has high quality earnings.
Growing Profit Margin: R A's current net profit margins (38.9%) are higher than last year (34%).
Past Earnings Growth Analysis
Earnings Trend: R A's earnings have grown by 5.7% per year over the past 5 years.
Accelerating Growth: R A's earnings growth over the past year (34.3%) exceeds its 5-year average (5.7% per year).
Earnings vs Industry: R A earnings growth over the past year (34.3%) underperformed the Banks industry 42.9%.
Return on Equity
High ROE: R A's Return on Equity (18%) is considered low.
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How is Regional. de's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score6/6
Financial Health Score 6/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: R A's Assets to Equity ratio (8x) is low.
Allowance for Bad Loans: R A has a sufficient allowance for bad loans (172%).
Low Risk Liabilities: 79% of R A's liabilities are made up of primarily low risk sources of funding.
Loan Level: R A has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: R A's Loans to Deposits ratio (97%) is appropriate.
Level of Bad Loans: R A has an appropriate level of bad loans (1.3%).
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What is Regional. de current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
|Regional. de Dividend Yield vs Market|
|Company (Regional. de)||10.6%|
|Market Bottom 25% (MX)||2.4%|
|Market Top 25% (MX)||6.6%|
|Industry Average (Banks)||5.3%|
|Analyst forecast in 3 Years (Regional. de)||7.6%|
Notable Dividend: R A's dividend (10.65%) is higher than the bottom 25% of dividend payers in the MX market (2.37%).
High Dividend: R A's dividend (10.65%) is in the top 25% of dividend payers in the MX market (6.63%)
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, R A has been paying a dividend for less than 10 years.
Growing Dividend: R A's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: R A's dividends in 3 years are forecast to be well covered by earnings (48.9% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Manuel Gerardo Rivero Zambrano (42 yo)
Lic. Manuel Gerardo Rivero Zambrano serves as Chief Executive Officer at Regional, S.A.B. de C.V.(formerly, Regional S.A.B. de C.V. (formerly known as Banregio Grupo Financiero, S.A.B de C.V.)). He served...
Experienced Board: R A's board of directors are seasoned and experienced ( 16.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
|Owner Type||Number of Shares||Ownership Percentage|
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
|Ownership||Name||Shares||Current Value||Change %||Portfolio %|
Regional S.A.B. de C.V.'s employee growth, exchange listings and data sources
- Name: Regional S.A.B. de C.V.
- Ticker: R A
- Exchange: BMV
- Founded: 1994
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: Mex$37.312b
- Shares outstanding: 327.93m
- Website: https://www.regional.mx
Number of Employees
- Regional S.A.B. de C.V.
- Avenue Pedro Ramirez Vazquez #200-12
- Parque Corporativo Ucaly
- San Pedro Garza Garcia
- Nuevo Leon
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|R A||BMV (Bolsa Mexicana de Valores)||Yes||Series A Class I Shares||MX||MXN||Apr 2018|
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/09/28 00:00|
|End of Day Share Price||2022/09/28 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.